IBW Financial Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Apr '26 Apr 29, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	29	27	10	17	20	21
Market Cap Growth	176.31%	162.34%	-39.85%	-12.82%	-5.91%	27.27%
Last Close Price	47.25	41.61	15.85	25.86	32.08	34.02
PE Ratio	32.92	29.24	3.99	13.61	7.89	3.71
PS Ratio	0.93	0.87	0.31	0.62	0.67	0.62
PB Ratio	0.23	0.21	0.08	0.14	0.31	0.44
P/FCF Ratio	6.27	5.83	1.99	-	-	-
P/OCF Ratio	4.93	4.58	1.15	5.42	7.29	-
Debt / Equity Ratio	0.04	0.04	0.24	0.06	0.18	0.10
Debt / FCF Ratio	1.13	1.13	6.03	-	-	-
Net Debt / Equity Ratio	-0.49	-0.49	-0.19	-0.56	-0.92	-1.83
Net Debt / FCF Ratio	-13.63	-13.63	-4.64	264.02	18.18	20.21
Return on Equity (ROE)	1.41%	1.41%	2.16%	1.48%	4.52%	12.83%
Return on Assets (ROA)	0.24%	0.24%	0.36%	0.20%	0.43%	1.04%
Earnings Yield	3.18%	6.69%	26.27%	8.04%	12.80%	27.10%
FCF Yield	15.95%	17.16%	50.34%	-1.52%	-16.36%	-20.71%
Dividend Yield	0.28%	0.58%	1.20%	0.66%	0.50%	0.73%
Payout Ratio	57.36%	57.36%	9.25%	16.43%	4.92%	3.07%
Buyback Yield / Dilution	-8.16%	-	-	-4.41%	-3.60%	0.14%
Total Shareholder Return	-7.89%	0.58%	1.20%	-3.75%	-3.10%	0.87%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.